headache and me cry other homeowners are also crying and demanded help. but through the robo signing deal the government wage its right to go after the banks for their just sept of practices the banks were able to sort of get away from with this without too much harm to their bottom line without any harm in terms of having to go to jail while homeowners struggle to rebuild their credit and their lives the wrongful deeds of banks remain unpunished in los angeles remember linda archie so this landmark settlement and relief to struggling homeowners from the settlements sadly it's not working for the major majority of people and barely scratches the surface to talk more in-depth about this we're joined earlier by r.t. correspondent ramon glinda just a little earlier today. the purpose of the settlement was to help homeowners avoid foreclosure and to help keep banks accountable so that they wouldn't repeat the practices that led to this mortgage crisis but what we're seeing here in the trans is that as you mentioned a majority of the credit that's being taken

billion dollars settlement over the foreclosure crisis the money was supposed to help struggling homeowners but our team finds that's not happening and in fact some people are still being kicked to the curb. for most of us using computers and smartphones is simply a way of life but how safe and secure are they and i will break down the top ten reasons why you should be concerned about cyber security. well good afternoon it's friday november twenty third four pm in washington d.c. i'm christine for you're watching our. let's begin with an update from the middle east where at this hour a cease fire between israel and hamas continues to hold according to israel jerusalem out of our journalism outlet debka months of much of that ceasefire is owed to a phone call by president obama to israeli prime minister benjamin netanyahu in which president obama promised to send u.s. troops to the sinai peninsula the egyptian territory in north africa surrounded by the suez canal in the west and israel on the east now this follows eight days of violence between gaza and israel that left more than a hundred

can -- less than homeowners owe, but under the new deal, homeowners can sign up for the new fannie mae and freddie mac deal. homeowners must have had a significant reduction in their income, or recent divorce, separation, or debt to be eligible. the black friday deal previews. target will open at 9:00 p.m.. toys r us will open at 8:00 p.m. toys r us is offering doorbusters and free goodie bags. they will stagger the deals throughout the holiday weekend. and in a medical alert -- cancer and heart attack top medical concerns for most people. alzheimer's disease should be on that list, simply -- on that list, too. it is difficult to diagnose, but a new test shows promise. >> her memory is harder these days. alzheimer's disease is stealing her memory and eventually the 83-year-old's life. >> i do not know any more about it. it just happens. we have to die of something. >> sara was with her mom when the diagnosis came four years ago. >> i cried, just thinking about it. it is emotional. she has always been my rock. she has always been there for me. now it is my turn to be there for her. thin

the question we should be asking ourselves is why is this same sort of compassion for homeowners that were seen in spain lacking here in the united states who's behind these foreclosure suicides and what can be done to stop them. mike patton tonia joins me now as an attorney and host of ring of fire radio mike welcome back. great to have you with us i'm fine thank you as reported by the b.b.c. back in two thousand and one this a big story when it broke the australian scientists study suicide rates for one hundred years one thousand one thousand nine hundred ninety eight and they found that rates increased significantly in england and the united kingdom and australia when conservatives were in power men were seventeen percent more likely to commit suicide women forty percent more likely to commit suicide just when conservatives held power in those two just two countries what do you make of that study well first of all when you take away a person's home you take away the only security that they have not just in america but in most places of the world it's the it is the place the thing t

american homeowners are taking their own lives too because of their debt problems why is it washington doing something to stop the suicides. here is mitt romney trying to figure out the name of that thing that many americans call i don't know. i'm sorry i'm just a guy who cares an awful lot like you sir are you know what that is my dear self you know want to give us a feature isn't the only liberal chris jones. who is really good at it but. you know the corporate media distracts us from what you and i should care about because they're profit driven industry that sells a sensationalistic garbage he calls it breaking news i'm not me martin and we're going to break that. you know sometimes you see a story and it seems so you think you understand it and then. you hear or see some other part of it and realize that everything you. are welcome to the big picture i'm going to. you. you going to. in screwed news we know that when times are tough economically a high number of people turn to suicide is tragic reality has been confirmed by studies out of the center for disease control and another

this would save homeowners $100 million a year and lower the rates by 20% and allows homeowners to afford insurance and speed economic recovery when the next big one hits. maybe a fraction, 10%, of the homeowners have insurance and my hope is will help those within the city. i wanted to let people k know11:00 o'clock next week on inside i am working with the rec and park central richmond to unveil the new play ground and join us at 11:00 a.m. and fulton and the new cabrilo play ground and we have been working to revitalize the area so the parks and play grounds really help to revitalize our neighborhoods. please join us. also i wanted to acknowledge a community arts organization is celebrating its 25th anniversary at yoashys and one of the unique rare ones i think to revitalize chinese and asian arts but the whole community. it's called improv asian carts and it's the 25th anniversary. i have been a strong supporter since the inception and give thanks to the many people for their work to strengthen communities to show the history of the asian and the pacific islander experience in their a

that's when homeowners -- homeowners valize he have a -- realize they have a problem. >> they realize they have a leak and then we'll be out here all weekend, 24/7. >> reporter: the roof is expected to be finished by this afternoon. they will be up here throughout the day. they tell me this is about a 30- year-old roof. not exactly what you -- what you would want to have above your head with several inches of rain on the way. alex savidge, ktvu channel 2 news. >>> good afternoon. the wet weather is on the way. giving you a look at stormtracker2, mostly cloudy and calm. that will be the case for your tuesday. storm is right about 300 miles offshore. it will move in by tomorrow morning. again, this is going to be the first in the series of systems that will bring us rainy weather for several days. with this first storm, moderate to heavy rain, anywhere from a quarter to an inch around the bay area. more than that expected for the mountains. a gael warning expected for the waters as well as strong surf and a wind advisory. winds strong enough to create power outages and make driving very

homeowner never pays anything. ever. >> it sounds too good to be true. >> it's a question people should ask. >> they get paid by the lender after the homeowner made three successful mortgage payments. this event will be going on here at the convention center today through monday from 8:00 in the morning until 8:00 at night. and you can find a link on our web site. you do not have to be facing foreclosure to find help. you can get a loan if you're a first time buyer and also people lost their home might be able to help you get it back or up to $125,000 back. >> police are looking for a man who beat a union station algt. this is an agent that he then began kicking and punching him in the head. muni says the agent was following the man because he did not pay his fare. the agent is unable to return to work. >> search on in oakland. this is for the killer of a for owner on international boulevard. 50-year-old wilbur bartly was gunned down locking up his store last night. he was the owner of a metro pcs store. his aughte

homeowners and contractors who operate in good faith. they come to a point where they cannot resolve it between themselves. >> the deputy commissioner says the state hopes to speed things enough with new initiatives. >> if we can do that, then we have more time and resources to focus on the very bad actors. >> it will not be resolved quickly. >> this is a track he regularly drives. >> they are doubtful they get their money back. a big price to pay to warn a hard lesson. >> you really need to take big steps in finding out who you are dealing with. >> that is tough. over the past two years, more than 40% of complaints involved on licensed -- unlicensed contractors. >> it seems an ohio woman is now paying the price. she arrived at a cleveland intersection to start serving her humbling sentence. a judge ordered the 32-year-old to stand there for an hour today and tomorrow with a sign that reads, only an idiot would drive on the sidewalk to avoid a school bus. a school bus driver complained to police in september a woman drove on the sidewalk

the homeowners association have paid out to the homeowners. >> take a look get the uvas water reservoir the reservoir-the benefit imported from melting sierra snow packs. some of the rest of wires and the santa cruz mountains of the reservoirs are it is entirely dependent of the rainfall. the first significant weather system dropped 1 in. in the foothills, 2-3 times at the higher elevations. but not enough for a noticeable difference. what if it did it too was a century the ground you can see there is a standing water. what it did do is set to reach the ground and the next half larger system, it will be just right for that rainfall to call into the reservoir. that is a combined 35% of capacity just below a 20 year average still in fairly good shape. the rain provides about one half of the south bay's water needs in the current weather pattern of rain, try, rain, is a perfect scenario for storage for the many not so rainy days ahead. and the santa cruz mountains, rob fladeboe, kron 4. >> oakland city hall officials are formulating a crime plan to provide backup from the oakland police de

they're talking to the homeowner. is that an unlawful search? >> if the homeowner chooses to engage in conversation with that officer and his conversation is overheard on the microphone -- >> it doesn't occur to him that that mike is on. >> but, again, when you talk to the police officer, that's a reasonable possibility. you don't have -- it's not a reasonable expectation of privacy, that if you talk to a police officer, that that might be going out to another police officer that's in the car down the street. but there's no -- a homeowner does not -- >> but -- but maybe it is a reasonable expectation, maybe it isn't. i frankly think that might be harder than the dog case or that you can make a stronger case for a reasonable expectation of privacy. if the -- if the homeowner is making a lot of marijuana with -- with odors coming out, he knows that a dog or a person might smell it. >> but, again, this particular case is not -- the question presented does not hinge on whether or not a normal officer could smell it, because this officer, detective -

i am interested in making things easier for homeowners and students and visitors and one of the things coming up a lot in this campaign is public financing and i have taken a stand from the very beginning they would not accept 1 dollar in public financing money. not that i oppose it per se but these are hundreds and thousands of dollars and we are losing money and candidates are spending it on consultants in walnut creek or in san jose and one way is to keep money here in san francisco by changing the system. >> mr. crawlly same question. what in your opinion is the single most policy issue in san francisco and if elected what would you do to address it? >> well, there are several and i believe that if i am elected supervisor the first thing i will deal with is public safety. as you know there are 344 police officers that are retiring by next november. in this year's budget there are approximately three classes inside of it and outside of that budget we will be losing that kind of necessary police services without putting more classes in. the other one i believe i have been part of the

from homeowners and contractors who operate in good faith.just come to a point where they can't resolve it between themselves. >> michael vorgat said the state hopes to speed things up with new initiatives that will weed out the less serious complaints. >> and if we can do that, we'd have more time and resources to focus on the very bad actors. >> the commission filed a criminal charge against mark chiwady but it won't be resolved quickly. he has requested a jury trial. as for george and candy, they both won default judgments against him in civil court but they're doubtful they'll get their money back. a big price to pay to learn a hard lesson. >> you real lish really need to take big steps in finding out who you're dealing with. >> for the 11 news eye team i'm mindy vacera. >> over 40% of complaints involved unlicensed contractors. there is a fund to compensate homeowners for a portion of their funds. for more information on hiring or checking the status of a license just visit wbal tv.com and click on i team. >>> maryland department of hous

more than 11 million homeowners across the country are underwater.s estimated that number could double in the next year, which means nearly half of all american mortgage holders will owe more on their homes than those homes are currently worth. >> we've been through an event that none of us have ever experienced in this country since the depression. >> to try to stem the tide of foreclosures, the commissioner of the federal housing administration, david stevens, says the obama administration has set aside billions to give banks the incentive to help struggling and underwater borrowers with their mortgages. but banks have been slow to modify the terms of those loans. >> the fact of the matter is, these programs are designed to affect those who are most at risk, who are unable to make their payments, and it does require the investor, the servicer, to participate. >> the decision to walk away from the sinking home by people who can afford to pay is spreading like a virus, because as one person on the street does it, the next-door neighbor says, "what am

a lot of people don't realize that floods are not covered by most homeowners policies.eed to separately insured for that. you need to make sure that not only to have adequate homeowners insurance but that your financial papers are safe so that if the house does suffer damage you can get a hold of your financial documents. if you have to leave work because of the tragedy your employer knows where you are and you aren't going to suffer too much. banks are closed lely experience this week, financial transactions are hard to do because wall street was closed. you need to make sure you can weather the storm financially as well as physically. gerri: was that concerning to you? "street being down? we don't have a lot of time left in the segment, but a lot of people coming to me saying no, no. the market is down. real concern out there. >> i was not worried, i was annoyed. you would think that the new york stock exchange would have a better contingency plan so that if a facility that is below sea level gets flooded they are still able to do business to support the global econom

i'm a father, a husband, a homeowner. our daughter is a fifth generation san franciscan. my lifelong record of volunteerism is one major way i stand out among the other candidates. while living in the dorms at san francisco state i started and ran the recycling program which reaches over 5,000 campus residents. after moving off campus i delivered thousands of meals for project open hand and tutored literacy to adults. enteredctionv a -- supervisor elsbernd appointed me, i worked with sfpd, play guitar, give blood several times a year, and going over this list, hoping to demonstrate to you my core belief in civic duty and community involvement. i also believe that the next step in my ability to contribute is to help govern as supervisor. now just a few of the many important issues. we are in economic straits and need to be conservative with our finances now and for the future. pension, salary and benefit reform has come a long way, but we need to do more. let's work with all stakeholders to assure that rules are based on fairness and financial realism for all, not for the

homeowner told us what happened while having his mud-filled car towed this morning. >>7?;ç this is worse. >> this is -- bad. really bad. >> this reservoir built 78 years ago. years ago. patrick.ñh director of the water and waste water resources department. >> history feels me it's a wpa project back in the day. this tank has capacity to store 900,000 gallons of water. they is a pipe that runs down hillside park. >> that is where this sheared off. it tells us we'reev#íw dealing h this age of the pipe. >> the gully is now washed out. once the department was alerted it took about 10 minutes to ice yol yait the valve and stop the leak. they're able to do that quickly. crews moved the hill during an upgrade of the roof. >> recognize that about 100 feet down the hill they decided to move it closer. the valve made it ease year to shut off the valve. sweetland says there are others that serve the section of the city. >> try to do the best you can to put systems in place like, as we did here, through isolation valve saying once finishing with efforts to shore up the hillside they

the state recognizes homeowners frustration. >> the vast majority of calls are from homeowners and contractors. they have come to a point where they cannot resolve it between themselves. >> speeding things up with new initiatives that will quickly weed out the less serious complaints. >> if we do that, then we have more time and resources to focus on the very bad actors. >> a criminal charge has been filed against the contractor for acting as a contractor without a license. he has asked for a jury trial. and they both got awards in civil court, but the date are not sure they will get their money back. >> you really, really need to take big steps in finding out who you are dealing with. >> for the 11 news i-team, i am mindy dessert. >> for more information on hiring or checking the status of a contractor's license, you can go to our website. click on the i-team. >> here is a look at some of our other top stories. looking for the suspects that broke into a home overnight, shooting and killing two young men and wounding their mother. they brought in last night on west lafayette ave. the men, ages

. >> this was los angeles, where 37,000 homeowners gathered. and this was miami, where the worry was visible and shared by 12,000 more. the line went down the block and doubled back twice. dale defreitas lost her job. now she fears her home is next. >> it's very emotional, because i just think about, "i don't want to lose my home." i really don't. >> it's your american dream. >> it was. and it still is. [chuckles] >> welcome to naca, "save the dream." welcome, everybody. >> these convention center events are put on by the nonprofit neighborhood assistance corporation of america, which helps people figure out what they can afford and then walks them across the hall to bank representatives to ask for lower payments. more than half will get their mortgages adjusted, but the rest discover that they just can't keep their home. and for many, that's when the real surprise comes in. turns out, these banks, which demand borrowers have all of their paperwork just right, these same banks have fouled up their own paperwork to a historic degree. >> in my mi

i was a homeowner thinking about solar electricity for my home. i had to answer a bunch of questions. one, does this stuff work? would it work on my home and most importantly, can i afford it? well, i did the research. i bought a system. now i get to share that knowledge and that experience with you. for the next 30 minutes, we'll have a class in solar basics and we'll go out in the field and see an actual solar system being installed. 30 minutes, solar basics, stay with me. >> let's talk about the technology, what is it and how does it work? there are three types of solar actually when you sauk about solar. i want to avoid the confusion to make sure we're focusing on the right one. two of them involve heating water and they're very viable technologies, can be very coast effective but we're not going to deal with them right now. one is solar pool heating. it pumps the water up there, heats it, runs it through there, the sun heats it and back into the pool. this one is called solar thermal or solar hot water. it heats domestic hot water or d.h.w. t

jill what should homeowners do right now? as in any big situation you guys have had things that happen whether it's out there with earthquake or a big fire you want to locate your homeowners insurance policy. you want to see what kind of coverage you have. amazingly, if your car was damaged you are going to need that auto policy. that's what will protect you if a tree falls on your car. next take pictures or video of the damage before you move anything. make a list of all your damage and lost items if you can include the date of perform and the value that's good. then you have to contact your insurer, make contact with the adjustor, submit that claim quickly. do not make permanent repairs until the insurance company inspects the property and you have made an agreement on the cost of repairs. by the way, don't forget here, all settlement offers from insurance companies can be negotiated. we sometimes forget about that when we're in a crazy state. on moneywatch.com, we have how to file a property insurance claim for you guys th

that avoids homeowners to not pay taxes on their mortgages for reduction. >> the reelection of president obama is front-page news all around the world. we will have a sample of how major newspapers handled the story. they will be displayed -- inside and outside it. >> let us take it right now -- you saw the headlines. four more years. a second act. signed sealed, delivered. fired up -- obama wins reelection and colorado passes a marijuana measure. it is not always about the president, because here, jordan wins. that got the headlines of there. international headlines from barbados to belgium. moboama and barack-on. bloomberg business week has put up covers as they think things will happen in four years. this is how they think obama will age over the next four years. they also did mitt romney as well. that is how they say he will age over the next four years. >> maybe 14 years, not four. a showdown between two states and the federal government's over marijuana. colorado and washington state allow recreational use of marijuana, despite federal laws making marijuana is illegal. >> this year

. >> people are lined up because one organization is offering homeowners different solutions to save their homes. we'll tell you who they are and what types of solutions they are offering when we return. >> and storm clouds continuing to move through the bay area this morning bringing more rain. when we'll dry things out coming up. ,, we don't call this our company, we call this our mission. green toys teaches children that if i have a milk jug and i stick it in the recycling bin it can turn into something new. chase allows us to buy capital equipment to be able to manufacture in the states to the scale we need to be a global company. with a little luck green toys could be the next great american brand. find what's next for your business >>> we will follow up to make sure that you get all the help that you need until you rebuild. >> the east coast struggles to bounces back from hurricane sandy. >> i cannot thank the president enough for his personal concern and compassion for our state. >> from gridlock in manhattan -- >> i'm declaring a transportation emergency. >> --to ravaged neig

. >>> love thy neighbor, but when it comes to homeowner's insurance, maybe not.ere is a major claim between two neighbors and those two neighbors share the same insurance company you may be out of luck. investigative reporter vicky wynn has more. >> that is right, when their neighbor's tree fell on their home, they immediately contacted the insurance company. but seven months later they're still out of a home and questioning the process. they believe they're containing costs on one side and limiting liability on the other. >> reporter: coming home brings back memories linda and chris kenton would rather forget. >> my wife and son were actually sitting at the dinner table when the roof and tree came within the house, it literally came three feet within killing them. >> there was just a very, very loud sound. and i saw a flash of green, you know, we were sitting in the dining room. and i knew immediately, oh, my gosh, it is the tree. >> reporter: the march rainstorm brought it down into the family's roof, and tore up the home. at last check it was valued $600,000,

are some maryland homeowners actually getting the help they need? we will have details tonight. >> will the ravens lose at home? we examine the prospects. >> breaking news out of bethesda. lockheed martin has confirmed its ceo has resigned over a personal relationship with a subordinate. the company says its board of directors asked for and received the resignation. an ethics investigation revealed he had a close, personal relationship with a subordinate employees. that violates the company's code of ethics and business conduct. for the only time this month, the division leading ravens will host a game. >> the raiders come to town, facing one of the most difficult places to play in the nfl, which would be right here. we have a preview of the game. >> there are no guineas in the nfl. -- gimmes in the nfl, so you cannot guarantee a win against anyone, but that said, sunday is about as close as you can get. the raiders are missing two key players. the ravens have not only consistently won at home, they score more per game than at the road -- on the roa

cbs 5 consumerwatch reporter julie watts explains what housework and homework homeowners need to do toize their losses. >>> reporter: he is trying to stay one step ahead of the storm. a decision don fielding hopes will pay off. >> i thought it was cleaner than it really is. >> reporter: with powerful storms expected to pound streets, soak cars and tear up trees it's time for homeowners like don to be pro-active. >> best pieces of advice is to be sure your home is ready for the next storm. >> reporter: this insurance industry spokesman says if you expect your insurance to cover storm damage, your insurance company expects you to put in some prep work. >> one of the things you have to remember is that insurance policy is not a maintenance policy. >> reporter: you should be checking for leaks, clean gutters and lower water in the pool. clear obstructions around your property so water goes around it. a standard policy should cover most storm-related damage to the home or land. but there is one important exception. water damage. while they will cover leaks from the rain above, home insuranc

. >> there's such a need for both home buyers and get an affordable mortgage and homeowners that have a mortgage affordable. >> this morning opened its doors to people already in line. the organization is offered free advice to homeowners and buyers for the past 20 years. >> the process is divided into four steps. the first step is orientation. the second step is counciling where they work with paperwork. the third step, you meet face-to-face with your bank. and step four, the hope is you walk out with a solution. >> now, david's son is facing the several hardship several americans are. >> a lot of payments and bills. just too much for me to pay. >> father brought in son in san jose hoping he can see the same success. >> to lower the mortgage would help me a lot and not have to pay the giants yesterday!! san francisco police estimae more than a million people packed downtown for the big party.. and they topped thed "bart" ridership record by a * giant* margin! just over 568- thousand peoe took bart into the city yesterday.. that's 45- thoud more than the last record st for the giants

we should not be burdening homeowners and small businesses with another tax, but city college is too important to jeopardize so i will put aside my taxation reservations and vote yes on a. >>> public safety, using a number of methods let's encourage our police and firefighters to live here in the city. we will have another earthquake and we need them here, not up in pet lululemon a, not down in half moon bay. speaking of earthquakes are you prepared? >>> right choice voting, like it or not it will be a factor in this race. i hope you'll choose me in this race. if you're already committed please consider me for second or third. whether you vote for me or not, please just be sure to vote. it's our right, it's our privilege and frankly i believe it's our duty and i won't tell you who to vote for for president, but my candidate handled don't ask don't it will and we share. thank you very much. >> my name is francis xavier crowley. as a district 7 native, i want to represent the twin peaks neighborhoods because i care about the community i grew up in and want to serve my fellow residents.

and that money's going to go towards energy efficiency and it's going to go towards helping homeowne homeowners, rate payers. >> why doesn't the state say stop polluting instead of selling you permission to pollute? >> the cap will come down. the overall greenhouse gases emissions will come down. they don't care where the cuts come from. some companies will pollute more than others. >> so the auction isn't legal? what was it? >> yes, they were challenging the state's right to collect revenue from selling allowances. they're not against the cap and not against the trading is what they say, it's the state making money from it. >> so couldn't that be where maybe we see the two-thirds less play of the majority in sacramento? couldn't they say, fine, it's not a fee, it's a tax? then the money could go to anything? >> it's a lot of money. it certainly is. billions of dollars, you know, over the years. some of it is ledgislated already. some are already impacted by pollution. some of it will have to be spent there. >> when you say it's billions of dollars, what do you mean it's billions of

time buyers that have driven the bread and butter of housing in the us hasn't been just mortgage homeowners that move every six to eight years into another home yes and no i mean if you looked at florida if you look at arizona those markets there was a lot of investor activity in the past this time around you have private equity funds soaking up the excess inventory often at retail valuations and i'll tell you right now i don't think the investment thesis works there real estate especially rental properties or a local business it's very hard to run on a national basis and i think that a lot of the expectation is for double digit returns on cash from rental investments by these private equity firms are going to prove to be wrong well then what does that mean in these areas that you say private equity money is actually creating a bubble in some regions what does that mean at these as these investment schemes don't turn out to be what they had hoped well it means that someone bought that house which is good so in that sense look at arizona very classic example prices of big going back up and t

homeowner policies all have hurricane deductibles. those deductibles are based on the percentage of insured value of the home, typically between 1% and 5%. >> there is going to be a lot of surprised homeowners when they find out their deductible is $5,000 $8,000 instead of $500 or $1,000. >> at this point, i hope it covers everything. >> he was told it could take up to three days before an agent could estimate the damage. he knows he can't live in his home for a while. he just wants to get back home. >> i would be happy to spend the rest of my life here. >> it is 4:42 now. >> let's check in with jackie once again. >> some of the cloudiness is associated with sandy as well as the moisture and a change in the weather pattern coming up. we're socked in with all of that cloudiness. the temperatures not too bad. the clouds help you out a little bit but overall we're on the chilly side. we have 40 at dulles. 30's off to the west. 45 in charlottesville. i want to show you to jet stream pattern. it tells the story of what's happening with our

homeowners are anxious to get their broken shingles in good shape before the storm. after the storm blows through, will says he expects more calls to handle the leaks homeowners didn't know they had. our storm watch continues as hao people in the peninsula are preparing for the storm. extra crews were on hand and sandbags are a commodity, ken pritchett is live. >> reporter: the waves are relatively small, the wind is light and there's people still out in the pacifica pier enjoying the pier and fishing. it's likely they won't be there tomorrow. a gail warning will begin at 4:00 a.m. surfer terry wineburg watched the waves knowing this would be his last day of surfing for the week. >> trying to catch all the surf we can before it comes in tomorrow. >> reporter: surfers and fishermen did what they could before the storm. so did crews with san francisco public works clearing storm drains before the rain and winds threatened to clog them again. >> we're doing all we can but we've really stepped it up, bringing extra crews to be extra vigilant. going around the city to loo

may have left through the bank they have told the homeowner to stay in the house until they finish the foreclosure process eventually those homes are going to be hitting the market and you see this with the government agencies to the f.h.a. fannie and freddie have enormous inventories of unsold homes that they're trying to read write down. and that's kind the of the. a little secret there pushing the literal market in the hope that they don't have to realize it was by selling the house at a substantial distil all right chris whalen bringing us dirty little secrets and shattering the conventional wisdom on housing really appreciate you being here thanks so much chris whalen is already going to a lot of rector tangent capital partners. let's wrap up with loose change first dimitri one thing that was sticking out to me when chris whalen was so bearish on housing in the northeast i think they have hurricanes now the furthest profound people are going to live there are actually true when you talk about that all the time i was joe i'm joking the cubs one of the los angeles where there's no h

feel the complaint process is dragging on. >> homeowners said they trusted this contractor but oncey paid him, he never came back. what they shelled out $3,500 to the man who promised to replace our roof, but he did not do the job. >> this kind of money is not something we can just give away. >> he hired the same contractor and paid him $2,300 to replace his route. >> what went wrong? >> the red flag they say they missed, the frustration with the state agency that licenses contractors, and what happens when we tried to talk to the man they hired. >> a pretty day today. >> 49 is the high tomorrow and temperatures will stay below normal for most of the next seven days. >> we can handle it. >> things for joining us. >> it "nbc news and brian williams of" is next.

good samaritans helped push it to civic >>> thousands of bay area homeowners with mortgages they cannot afford can get free help today in san -- in san jose. people started lining up this morning. the neighborhood assistance corporation of america known as naca is hosting the event. bankers from all major lenders on hand. we have a -- what are you hoping for? >> i'm heaping to get what the rates are going for around threes which will help out a lot with my current mortgage. >> services include assisting with onsite home loans and free loan modifications. the event 8 a.m. to 8 p.m. runs through monday. >>> two california surfers say she survived separate shark attacks by fighting back. one is scott stevens, now recovering after undergoing surgery to close a 14 inch bite wound he was surfing off the coast of eureka two days ago. the 25-year-old believes it was a great white this is what his board looked like after attack. >> it pinned me under and shook me, came out of nowhere and punched the shark on its head a cup of times until it released me -- head a couple of times until it release

. >>> free help for bay area homeowners who are underwater it >> a look at how many attended yesterday's -- giants' celebration, record breaking day for one transit agency. >>> we will buy memorable moments of yesterday's world series celebration. here are announcers john miller, dancing to gangnam-style. >> sandy may have stalled the presidential campaign but it is up and running again this morning. president obama told a wisconsin crowd that mitt romney is not the candidate for change he claims to be. the president says the economy is bunsing back and urged the crowd to give him four more years to finish the job he started in virginia mitt romney attacked the president's proposal to create a cabinet level of secretary of business. he said the nation doesn't mean a business secretary it needs a president who just understands business. >>> new poll shows public support for governor brown's tax measure remains below 50%. the latest poll shows prop 30 as 48% support, 38% opposed the director of the poll says there appears to be enough to swing prop 30 to victor. governor brown is in san fr